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Credit Cards (17)

Home Equity Loans

Home Equity Line of Credit (5) (10) (11)

Home Equity Loans (3) (4) (5) (10) (11)

Vehicle Loans

New Cars & Trucks (4) (6) (7) (8)

Used Cars & Trucks (4) (6) (7) (8)

Better than a Lease Loan (4) (6) (7) (8)

Motorcycles & ATVs (4) (6) (7) (8)

Classic Cars (4) (6) (7) (8)

Boats and Personal Watercraft (4) (6) (7) (8)

Recreational Vehicles (4) (6) (7) (8)

Personal Loans

Term Loans (8)

Lines of Credit (8)

Secured Loans

Stock Secured Loans (8) (16)

Savings/Certificate Secured Loans (8) (14)

 

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(1) Twelve-month introductory Annual Percentage Rate (APR) applies to new loans only and requires a minimum $10,000 initial draw to qualify for the introductory Annual Percentage Rate (APR).  After the introductory 12 month period, the Annual Percentage Rate (APR) is based on individual credit circumstances, amount of equity in the subject property, and is subject to change monthly once your line is established, services with the Credit Union, and may increase after the Credit Line is established subject to change as the PRIME rate changes, but will never be lower than 3.00% APR or higher than the maximum allowed by the Federal Credit Union Act, which is currently 18% APR. Rates are subject to change without notice.  Any existing Financial Resources Home Equity Credit Line previously receiving an introductory APR that is being financed in order to receive the new introductory twelve month APR, requires a $50,000 minimum draw from the Credit Line amount, subject to approval, and requires that a fee of $195 be paid if the Home Equity Credit Line being refinanced has been open one year or less.  A fee of $49 is charged annually on the anniversary of a home equity credit line. 
(2) The Annual Percentage Rate (APR) quoted for the first 5 years is the lowest based on individual credit circumstances for each qualified applicant, amount of equity in the subject property, services with the Credit Union. After the 60th month, the Annual Percentage Rate (APR) is subject to a one time change for the next 5 years based on the then current PRIME rate plus a margin based on individual credit circumstances and adjustment cap of 5%, but will never be lower than 3.99% APR or higher than the maximum allowed by the Federal Credit Union Act, which is currently 18% APR.
(3)The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes  a discount of .10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account);  0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate.For Home Equity Loans, the lowest rate is also based on 80% loan-to-value in the subject property (75% for an Express Equity Mortgage).  The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.
(4) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(5) Home Equity Loans and Lines are not available in Puerto Rico and the states of Alaska, Hawaii and Texas.
(6)
  • New Vehicles: Get up to 100% financing plus tax, tag, title and extended warranty insurance.
  • Used Vehicles: Loans are granted on vehicles no more than nine (9) years old get up to 100% of the NADA or Kelly Blue Book retail value.
  • Vehicle Refinancing: Loans are granted on vehicles no more than nine (9) years old get up to 100% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options.
  • New Boats & Personal Watercraft: Up to 100% financing is available for any personal watercraft.  Up to 100% financing available on any new vessel that is longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
  • Used Boats & Personal Watercraft: Financing is available up to100% of NADA retail value adjusted for optional equipment. Financing is available for personal watercraft, or for vessels longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
  • New Motorcycle & ATV: Financing up to 100% of invoice is available. New motorcycle financing is available for any current or prior model year motor cycle that has never been titled.
  • Used Motorcycle & ATV: Financing is available up to100% of NADA retail value adjusted for motorcycle/ATV options. Financing is available for any used current model year vehicles plus vehicles of the five (5) prior model years.
  • New Recreational Vehicles: New recreational vehicle financing is available for any current or prior model year vehicle that has never been titled, or any current or prior year “demonstrator” vehicle with less than 5,000 miles on its odometer. Financing is available up to 80% of purchase price (excluding registration fees, sales tax and warranty coverage).
  • Used Recreational Vehicles: Financing is available up to100% of NADA retail value adjusted for mileage and vehicle options. Used vehicle financing is available for any current model year used vehicle plus vehicles of the six prior model years.
  • Classic Cars: A classic car is any car that is at least 20 model years old. Financing is available up to 100% of the lower value of NADA and Kelly Blue Book vehicle would be in good condition overall. It could be an older restoration or a well-maintained original car and is completely operable. The exterior paint, trim and mechanics are presentable and serviceable inside and out.
(7)The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes  a discount of .10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account);  0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.
(8) Loans and Lines are not available in Puerto Rico.
(9) The Annual Percentage Rate (APR) is based on individual credit circumstances, and is subject to change daily once your line is established.  Prime equals Prime Rate as listed in the Money Rates section of the Wall Street Journal on the 20th day of the 2nd month of the previous quarter. Minimum rate is 9.99% APR.  An annual fee of $25 is charged annually on the anniversary of a personal credit line.
(10) Loan amounts up to $249,999.
(11) The states of AL, FL, GA, KS, the Orleans Parish of LA, MD, MN, NY, OK, TN, and VA impose a Mortgage Recording tax at the time the mortgage is recorded and can vary from state, county and locality, and can range from .10% to 2.175% of the approved loan or credit line amount, or $1 to $21.75 for each $1,000 of the approved loan or credit line amount.  If the subject property lies in any of these areas, you will be notified of this fee amount and your home equity loan or credit line will be advanced to satisfy the fee. An early termination fee of $195 will be imposed on Home Equity Credit Lines paid-off or cancelled within one year from the date the Home Equity Credit Line is established. An annual fee of $49 is charged annually on the anniversary of a Home Equity Credit Line.
(12) The Annual Percentage Rate (APR) is based on individual credit circumstances, and is subject to change daily once your line is established. $500 automatic approval for all new Checking accounts established.  Member may apply for a larger credit line based upon income and credit history. Prime equals Prime Rate as listed in the Money Rates section of the Wall Street Journal on the 20th day of the 2nd month of the previous quarter. Minimum rate is 9.99% APR; maximum rate is 14.50% APR.  A fee of $4.99 is charged monthly to the Credit Builder Credit Line.
(13) Payment examples are calculated at the lowest Annual Percentage Rate (APR) for 48 months based on individual credit circumstances for each qualified applicant, and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes  a discount of .10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account);  0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. Monthly and Total Payment Savings is the difference between our “Better Than a Lease Loan” program and regular New Vehicle Loan program. Financing is available for current model year vehicles plus vehicles through 2010 model years. There is a one-time Acquisition Fee of $195 due at closing and the Credit Union’s Guaranteed Asset Protection (GAP) coverage costing $399 is also required to be purchased. Terms available from 12 to 48 months.  Get up to 100% financing plus tax, tag, title, Acquisition Fee, GAP coverage and extended warranty insurance. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice. Loans are not available in Puerto Rico.
Residual Values are based on Automotive Lease Guide (ALG) standards and a 60,000 total mileage allowance over 48 months. The residual value of the loan will become due at the end of the loan term (“balloon”), at which time the borrower has the option to: (1) payoff the balance of the loan with his/her own funds, (2) trade in the vehicle to a dealer and have the dealer payoff the loan, or (3) refinance the balloon amount due with the credit union (or another lender) in full.
(14) Payment terms depend on Savings or Certificate account used to secure the loan.  Please
click here for current Savings and Certificates rates, subject to change daily.  For more information, please call 800.933.3280, press 4.
(15) Loan amounts from $50,000 to $500,000.  $498 origination fee.  No title, commitment, processing, recording, survey, settlement, underwriting, credit report, flood certification or tax service fees.  Loan amounts of $250,000 or more require an appraisal fee.  Maximum loan-to-value of 75%.  Property insurance required.  Flood insurance may be required.  Subordination fee and other state specific taxes and/or fees are the responsibility of the borrower(s).  No escrow accounts and no attorney or settlement agent required.
(16) The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.
(17) *VISA Signature Card: 0.00% Introductory APR for the first six months. After that, your APR will be between 10.99% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history.  4.99% APR for Balance Transfers for the life of the balance. VISA Platinum Card: 0.00% Introductory APR for the first six months. After that, your APR will be between 8.99% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history.  4.99% APR for Balance Transfers for the life of the balance. VISA Business Card: APR will be between 10.99% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history.  APR for Balance Transfers will be between 10.99% and 18.00%. VISA Secured Card: APR will be 16.99%. APR for Balance Transfers will be 4.99%. Click here to review the Summary of Visa Account Terms.